Shineon UE Diary

[Shineon]

I have struggled with debt for over 20 years and owe between my husband and I over 52k, we have mainly credit card debts as living from one to pay the other in the 90's and 2000's whilst bringing up 3 children, high mortgage and loss of both dads in each decades, the last seven years have been paying debts via DMP and when they took over I felt we could breathe but buried head in a hole and have kept only little correspondence as if it wasn't in the house it kept our burden away, I have found as much info as I can and will list for each of our creditors (22 of them) and update each one when I gain extra info, I have started to send some CCA request, and feel anxious as to the process, but I must be able to get back to life and Shine On again, will you take me on board and help and advise the next steps, Thankyou

[Shineon]

HSBC CURRENT ACCOUNT
CABOT FINANCIAL EUROPE

Husband but was joint current account
Balance : £939.00
Start Date: Dec 1989
Date Assigned: April 2014
Last payment: DMP March 2018
Original Owner : HSBC CURRENT ACCOUNT
DCA: Cabot, current creditor - Marlin Europe LTD, statement says cabot financial (Europe) LTD

12/02/18 CCA Sent
21/02/2018 CCA chq for £1 cashed on bank statement
01/03/2018 no response, gone over 12 + 2 days
03/03/2018 letter recieved 03/03/2018 dated 22/02/2018 from Cabot don't have agreement will contact original lender and get back within 40 days - also say temporily unenforceable .
27/04/2018 cancelled DMP
12/07/2018 Letter from Cabot saying unenforceable as can't provide CCA
12/07/2918 Statement from Cabot , says Cabot (Europe) Limited is owner and updated info on file.
09/08/2018 Letter x 2 to set up payment from cabot.
27/08.2018 Letter to set up payment plan from cabot.
12/09/2018 Six montly statement x 2.
13.09.2018 Letter x 2 from cabot to set up playment.
17/09/2018 Cabot rang, morning, said not in.
20/09/2018 Cabot left msg on answerphone.
11/10/2018 Letter X 2 from Cabot offering £50 to fill out budget plan.
22.11.19 letter X 2 Cabot, new approach to pay.
23/12/2018 letter x 2 to set up payment plan
21.1.19 letter x2 contact to make payment, may send to outside collection agency.
28.03.19 Cabot letter X 2 ways to pay.
25/04/2019 Cabot letter X 2 discover your options
09/07/2019 Cabot letter X 2 as no contact going to get resolve call to visit.
21/0/2019 Resolvecall letter - discuss to get back in contact with Cabot (Europe) or they will home visit .
18.11.2019 welcome back to Cabot. ( one letter only to Mr)
10.01.2020 letter Mr Cabot get back on track.
23.01.2020 Cabot letter Mrs you have your own ref number now.
23.01.2020 Cabot letter Mrs, set up plan.
28.01.2020 letter Mr Cabot sort payment plan.
14.02.2020 letter Mr build a plan.
24.02.2020 Cabot letter Mrs , setting up a plan.
10.03.2020 letter Mr tell us your budget.

[Shineon]

BARCLAYCARD
CABOT FINANCIAL EUROPE
Shows Cabot financial uk ltd on 21/12/2018 paperwork
Mine
Balance : £1850.57
Start Date: 17/03/2003
Date Assigned: 09/12/2011
Last payment: DMP March 2018
Original Lender: Barclaycard

01/03/2018 CCA Sent
05/03/2018 CCA recieved by Cabot and signed for - receipt printed
22/03/2018 a Reply from Cabot, barclaycard unable to supply CCA info at present, Cabot are to cease collection temporarily on this account, if documents come available then it will again be enforceable.
27/04/2018 cancelled DMP
20/10/2018 Annual statement from Cabot
17.11.18 letter Cabot , balance waiting to be paid.
04.12.18 letter Cabot, you need to seat up a plan.
21/12/2018 letter to set up payment plan
16/01/2019 letter to set up payment , save £50.
04.03.19 Cabot letter, we have not heard from you.
04.04.2019 Cabot letter, not heard from you.
06/05/2019 Cabot letter to set up payment
02/07/2019 Cabot letter to set up payment.
02/08/2019 Cabot letter - setting up a plan is easy.
01/09/2019 Cabot letter - interested in clearing your account
16/09/2019 Cabot letter- 75% reduction .
12/10/2019 Cabot letter - interested in clearing your account.
23.11.2019 Cabot letter regarding payment.
10.12.2019 Cabot letter- this is defaulted account, 9 days to respond or will take other measures to resolve.
30.12.2019 Cabot letter- time to get back on track.
10.01.2020 Cabot 75% discount.
16.02.2020 Cabot letter, get back on track.
03.03.2020 Cabot letter, need a payment plan.
16.04.2020 Cabot letter, tell us your budget.

[Shineon]

CITIFINANCIAL CREDIT CARD
CABOT FINANCIAL EUROPE
Showa as Cabot financial uk ltd on 16/12/2018 paperwork

Husband
Balance : £4250.45
Start Date: Jan 2005
Last payment: DMP March 2018
Original Lender: CITIFINANCIAL Credit Card
Date Assigned : Nov 2010

01/03/2018. CCA Sent
05/03/2018 CCA recieved by Cabot and signed for - receipt printed
22/03/2018 CCA reply from Cabot , Citi unable to find agreement and Cabot are temporarily ceasing collection of this account, but will become enforceable if documents found.
27/04/2018 cancelled DMP
20/10/2018 annual statement from Cabot.
16.11.18 Cabot letter, balance waiting to be paid.
16/12/18 letter asking to start new plan. Shows current creditor as CF uk Ltd.
26.01.19 letter Cabot, tell us your budget.
02/01/2019 letter to set up payment plan
18/03/2019 letter from Cabot financial to set up payments.
18/04/2019 Cabot letter saying not heard from you
18/05/2019 Cabot letter to contact re payment
31/08/2019 Cabot letter, it time to get back on track.
11/09/2019 Cabot letter to pay regularly .
27/09/2019 Cabot letter,nail have 9 days to respond to sort payments .
12/10/2019 Cabot letter - it's time to get back on track
18.11.2019 Cabot letter can we help clear your debt.
04.01.2020 Cabot letter to set up repayments.
19.01.2020 Cabot letter, to pay regular.
03.02.2020 Cabot letter , need your attention.
05.03.2020 Cabot letter, 75% discount.
17.04.2020 Cabot letter, get back on track.
05.05.2020 Cabot letter, need to make payment plan.
14.06.2020 Cabot letter, 75% discount.

[Shineon]

BANK OF SCOTLAND CREDIT CARD
CABOT FINANCIAL EUROPE

Husband
Balance: £722.00
Start Date: 02/06/2008
Date Assigned: 24/06/15
Last payment: DMP March 2018
Original Lender: Bank of Scotland (cr card)
DCA: Cabot - current creditor MFS Portfolio Ltd


12/02/18 CCA Sent
21/02/2018 CCA chq for £1 cashed on bank statement
01/03/2018 no response, gone over 12 + 2 days
03/03/2018 letter from Cabot recieved 03/03/2018 but dated 22/02/2018 they do not have info and hope to get within 40 days and recontact then. Also say temporily unenforcable
27/04/2018 cancelled DMP
13/07/2018 Statement from Cabot.
13/07/2018 CCA from Cabot will forward for checking
25/07/2018 Letter from Cabot, your balance is waiting to be paid.
09/08/2018 Letter from Cabot to set up payment plan.
26/08/2018 Letter from Cabot to set up payment plan.
22/09/2018 Letter from Cabot offering £50 discount to update budget.
05/11/2018 Letter from Cabot offer to set up payment plan.
02.12.2018 letter Cabot, not heard from you.
16/04/2019 letter Cabot what's happening
03/05/2019 letter resolve saying home visit
23/05/2019 resolve call note saying had home visit, no in
09/06/2019 welcome back to Cabot letter
01/08/2019 welcome back to Cabot letter.
16/09/2019 letter Cabot, are you interested in settling account .
16.10.2019 letter Cabot we have passed your details to debt managers.
25.11.2019 letter debt manager, please contact their client Cabot has written to you.
19.12.2019 letter debt managers to sort payments .
30.12.2019 letter debt managers to help get account moving .
29.05.2020 welcome back letter from Cabot.
16.07.2020 Cabot 75% discount.
22.07.2020 Cabot letter, get back on track.
01.11.2020 Cabot letter, your account is back with us.
18.01.21 Cabot letter 80% discount.
10.03.21 Cabot letter saying going to instruct resolve call to home visit.
23.03.21 resolvecall letter, we are acting for Cabot Europe who purchased Bank of Scotland credit card, call or a home visit.
14/04/2022 Cabot, your ac is back with us
28/04/2022 Cabot, overdue debt
11/05/2022 Cabot, avoid legal action.
27/05/2022 Cabot, we are sending to sols.
09/06/2022 we have not heard from you, Reston will contact in 7 days .
15/06/2022 restons…LOC.
09/07/2022 cca signed for sent to Cabot.
09/07/2922 Sar to bank of Scotland sent signed for.
12/07/2022 cca received and signed for by Cabot.
12/07/2022 Sar received by bank of Scotland and signed for.
19/09/2022 restons reply to cca sent to Cabot…was forward onto us from our client, please send all correspondence to restons.
22/10/2022 restons sent info re cca. Copy of agreement and statement.
09/12/2022 claim form from CCBC .

[Shineon]

BANK OF SCOTLAND CREDIT CARD
CABOT FINANCIAL EUROPE

Husband
Balance: £7309.00
Last payment: DMP March 2018
Start Date: 04/10/2007
Date Assigned: 24/06/2015
Original Lender: Bank of Scotland
DCA: Marlin Europe V LTD

01/03/2018. CCA Sent
05/03/2018 CCA recieved by Cabot and signed for - receipt printed
22/03/2018 Cabot are requesting info could take upto 40 days
27/04/2018 cancelled DMP
19/07/2018 letter from Cabot to set up payment plan, creditor shows Marlin Europe V limited.
20/07/2018 statement from cap one got last six months.
01/09/2018 Letter from Cabot to set up payment.
13/09/2018 Letter from Cabot to set up payment.
21/09/2018 letter from Cabot to set up payment.
12/10/2018 Letter from Cabot. £50 cr to set up payment plan
28.11.18 letter Cabot to make payment.
02.12.18 letter Cabot to sort next steps .
02/01/2019 letter to set up payment plan
01.02.19 letter Cabot to discuss payment.
31/08/2019 letter Cabot saying they are instructing Moorcroft to arrange home visit.
16.03.2020 letter Cabot we need your attention.

[Shineon]

CAPITAL ONE

Husband
Balance: £589.93
Last payment: DMP March 2018
Start Date: 12/10/2002
Original Lender: Capital One
Default Date: 08/05/2009

12/02/2018 CCA Sent
23/02/2018 reply from cap one, enclosing reconstituted copy of Origanal agreement, with signed copy and also copy of default notice and lots of terms and conditions.
28/02/2018 Checked by Niddy , this shows ... Enforceable ..
03/04/2018 Letter from cap one, wanting to confirm address - ignored as they write to thus address been at this address since 2004
27/04/2018 cancelled DMP
19/07/2018 letter from cap one to sort payments, balance owing increased since cancelling dmp.
18.12.2919 cap one statement .
11/06/2022 cap one statement.

[Shineon]

CAPITAL ONE

Husband
Balance : £602.00
Start Date: 12/01/2004
Last payment: DMP March 2018
Original Lender : Capital One
Default Date: 08/05/2009

12/02/2018 CCA Sent
23/02/2018 Cap one sent copy agreement and default notice and loads of terms and conditions.l
24/02/2018 Sent for checking, Niddy says UE ......
03/04/2018 Letter from cap one, wanting to confirm address - ignored as they write to thus address been at this address since 2004
27/04/2018 cancelled DMP
28/05/2018 letter from cap one saying no payment recieved from dmp
15/06/2018 Statement from cap one for last six months
13/12/2018 Statement of activity.
13/06/2019 statement of activity
12.06.20 cap one, statement.
13.12.20 cap one , statement.
13/06/21 Cap one statement.
11.12.21 cap one statement.

[Shineon]

CAPITAL ONE

Mine
Balance: £2150.00
Start Date:
Last payment: DMP March 2018
Origanal Lender:


01/03/2018. CCA Sent
07/03/2018 CCA recieved , post office track receipt printed and filed
20/03/2018 CCA recieved from Cap One, will email to Niddy for checking
27/04/2018 cancelled DMP
28/05/2018 letter from cap one, saying no payment recieved from dmp
15/06/2018 6 month statement received from cap one
19/07/2018 letter cap one to set up payment
13/12/2018 Statement of activity.
13/06/2019 statement of activity
18.12.2019 cap one statement.
12.06.20 Cap one, statement
13.12.20 Cap one , statement.
14/06/21 Cap one, statement
11/12/21 cap one, statement.
11/06/2022 cap one statement

[Shineon]

CITIFINANCIAL CREDIT CARD
DEBT MANAGERS

Mine
Balance: £2024.00
Start Date: 08/03/2005
Date Assigned: 05/09/2010
Last payment: DMP March 2018
Original Lender: Citi financial Cr Card
Debt Owner; Cabot financial uk limited


01/03/2018. CCA Sent
05/03/2018 CCA recieved by debt managers and signed for - receipt printed
09/03/2018 letter recieved from debt managers saying they have referred the CCA to Cabot financial for this info and this will remain on hold until recieved back
12/03/2018 cheque for £1.00 cashed
12/03/2018 6 month statement recieved from CABOT
10/04/2018 letter from Cabot saying Citi are unable to find dicuments, confirmed entry should not appear on cr file and that debt is unenforcable .
27/04/2018 cancelled DMP
22/06/2018 Letter from debt managers saying their client Cabot cannot find agreement and therefore unenforceable, but balance still due.
26/07/2018 Letter from Cabot, saying welcome back to Cabot
13/08/2018 Letter from Cabot saying welcome back, sort a payment plan.
07/09/2018 Six monthly statement.
13/09/2018 Letter from cabot to sort payment plan.
10/10/2918 Letter from Cabot to contact as account is being reviewed for legal action.
26/10/2018 Letter from Cabot - potential legal action
05/11/2018 Letter from Cabot - will not be Persuing legal action at present time.
08.12.18 letter Cabot, instructing resolve all to act.
21/12/2018 Letter from resolve Re Cabot financial (Europe) Ltd acting on behalf and will get a visit.
17/01/2019 visit note through door from resolve
24.02.2019 welcome back to Cabot letter.
03.02.19 Cabot welcome back letter
24.02.19 Cabot letter saying welcome back.
29.03.19 Cabot letter to set up payment.
16/04/2019 Cabot letter to make new payment plan
03/05/2019 Cabot letter to set up payment
28/05/2019 Cabot letter to set up payment
31/08/2019 Cabot letter to get back on track.
11/09/2019 Cabot letter to pay regularly.
27/09/2019 Cabot letter - 9 days to respond.
12/10/2019 Cabot letter - it's time to get back on track .
18.11.2019 Cabot letter can we help clear debt.
04.01.2020 Cabot letter to set up payments.

19.01.20 Cabot letter to sort payment.
03.02.20 Cabot letter, need your attention.
25.02.2020 Cabot letter to set up payments.
25.04.2020 Cabot letter, payment options.
12.07.2020 Cabot letter, interested in clearing account.
15.08.2020 Cabot letter, get back on track.
02.09.2020 Cabot letter, make a payment plan.
19.09.2020 Cabot letter, build a plan.
30.10.2020 Cabot letter, get back on track.
15.11.2020 Cabot letter, sort payments.
14.01.2021 handelivered, door step, letter Cabot, even man with mask during Covid lockdown. Told them send in writing, wouldn’t say if it was me either,.
21/05/21 Cabot letter saying passed a/c to BPO collections to manage, also enclosed letter BPO saying Cabot has bought citifinancial debt and passed it on to BPO to collect payments.
30/07/21 BPO Collections letter offering 50% discount.
19/09/2021 Cabot letter , account is back with Cabot.
10/10/2021 Cabot letter, set up a plan.
23/03/2022 your account is back with Cabot.
13/04/2022 Cabot, set a plan.
18/05/2022 resolve call, assisting collecting.
06/09/2022 Cabot, welcome back.
27/09/2022 Cabot, set a plan.
16/11/2022 resolve call , respond or visit.

[Shineon]

HOIST FINANCIAL (ex GE CAPITAL)

Mine
Balance: £3496.00
Start Date: 15/11/06
Last payment: DMP March 2018
Original al Lender: GE Capital
DCA: Robinson Way


01/03/2018. CCA request Sent
05/03/2018 CCA request recieved by hoist financial and signed fo - receipt printed
25/04/2018 Letter from Rob Way , seeking info from Original creditor, account temp stopped.
27/04/2018 cancelled DMP
23/05/2018 letter from rob way with statements and CCA terms, will forward for checking.
15/06/18 letter from rob way, a/c on hold 30 days to get a new payment plan sorted as dmp cancelled
06/08/2018 Letter Rob Way offer 50% to satisfy debt.
09/08/2018 Letter Rob Way, agree a payment plan.
17/09/2018 letter Rob Way to set up payment plan.
19/09/2018 Notice of Assignment from Hoist Finance UK H lodgings 2 Ltd.
15/10/2919 Letter Rob Way pay 75% of balance.
14.02.19 letter rob way, account is with the reconnect team to see if home visit would benefit.
28.08.20 Rob way, to sort flexible payment.
30/08/2019 letter from BPO Collections offering discount of 40%.
11.12.20 Hoist, saying now collecting on HFUKH2L (ex ge capital) and to sort a plan.
29.12.20 Hoist, let’s work together as no previous reply.
14.01.20 Hoist, we need to hear from you.
14/06/21 hoist, your account is now with our reconnection team.
28/06/21 hoist , passed to field agent resolvecall to call at house.
10/07/21 resolve call letter, saying gonna call at property.
20/07/21 resolve call doorstep letter through letter box.
14/10/21 hoist, ways to pay.
16/09/2021 hoist, discount available.
22/10/21 hoist, discount available.
21/02/2022 hoist, choose a way to pay.
19/04/22 hoist, ways to pay
04/05/2022 hoist,flexible solutions
22/08/2022 choose a way to pay.
23/09/2022 hoist, choose a way to pay.

[Shineon]

HSBC

Husband
Balance: £97.00
Start Date:
Last payment: DMP March 2018
Original Lender: HPC ( LTD) ex HSBC
DCA: Hoist Financial / Robinson Way

12/02/2018 CCA Sent
20/02/18 Letter recieved from Robinson Way - putting a/c on hold whilst asking for copy of agreement/statement
23/02/2018 CCA chq £1 cashed on bank statement
01/03/2018 no response, gone over 12 + 2 days
03/04/2018 Reply from Rob Way - temp stop on a/c whilst waiting for response from Origanal creditor.
27/04/2018 cancelled DMP
02/07/2918 letter from rob way , unable to fully comply to CCA but sent statement.
10/08/2018 Letter from Rob Way to agree payment plan.
19/09/2018 Letter from Rob Way to sort payment plan.
12/10/2018 Letter Rob Way pay just 75% balance.
30/10/2018 Notice of assignment from HPH to HFUKH2L,rob way will still manage account.
29/06/2019 letter from hoist with statements from 2014 of NOSIA's saying they need to comply and rob way still service account .
29.01.20; Hoist, NOSIA.
15.05.20, Hoist , NOSIA, Annual statement.
14.11.20 Hoist, NOSIA.
22.01.2021 Hoist, set up payment
04.02.2021 Hoist , let’s work together, set up payment.
30/05/21 Hoist, NOSIA
14/06/21 Hoist, choose a way to pay.

30/07/21 Hoist, choose a way to pay.
23/11/21 hoist, NOSIA.
15/12/21 hoist, ways to pay.
20/01/2922 hoist,ways manage your account.
21/01/2022 hoist, choose a way to pay.

04/05/2022hoist, flexible solutions
12/05/2022 hoist nosia
20/06/2022 hoist, choose a way to pay.
05/08/2022 hoist, choose a way to pay .

[Shineon]

MOORCROFT

Husband
Balance: 753.04
Start Date:
Last payment: DMP March 2018
Original Lender: NEXT


12/02/18. CCA Sent
19/02/2018 £1 CCA Cheque cashed on bank statement
01/03/2018 Gone over 12 + 2 days, no response so far
27/04/2018 cancelled DMP
16/06/2018 Letter from moorcroft, saying no longer on DMP and want to set up payment plan ( have gained info that debt was originally Next, )
21/05/21 letter from next , preparing to sell debt.
30/07/21 letter from Lowell saying they bought Next account 30/06/21. Next letter enclosed saying sold account to Lowell on 30/06/21.
26/09/2021 Lowell letter here to support you ways of payment.
06/10/2021 Lowell letter, every one’s situation is different.
19/10/2021= Lowell asking to call.
29/11/21 Lowell, here to clear account.
11/01/2022 Lowell we hold this account.
12/01/2022 Lowell understanding your circumstances.
19/02/2022= Lowell outstanding account.
07/93/2022 Lowell get in touch.
10/06/2022 Lowell, get in touch to clear debt
10/06/2022 Lowell,50% reduction.
25/06/2022 Lowell tell us how you’ll pay.
30/06/2022 Lowell , we understand.
13/07/2022 Lowell, not heard from you.
03/08/2022 Lowell , avoid legal action.
20/08/2022 Lowell, considering legal action.
23/09/2022 Lowell, what legal action means.

[Shineon]

HSBC BANK -Gold Credit card
Moorcroft


Mine
Balance: £3835.00
Start Date: 06/05/2005
Last payment: DMP March 2018
Original Lender: HSBC BANK PLC - CARD SERVICES
DCA: was MOORCROFT now letter from WESCOT

01/03/2018. CCA Sent
05/02/2018 CCA recieved by moorcroft and signed for - receipt printed
09/03/2018 letter from moorcroft with £1 cheque returned and my CCA letter saying to contact Metro Collection Services, a/c will be on hold they say till 06/04/2018
21/03/2018 CCA sent to Metro Collection Services
27/04/2018 cancelled DMP
11/05/2018 CCA recieved from HSBC will forward for checking
15/06/2018 Letter from moorcroft, saying no longer on DMP and to contact to set up payment
19/07/2018 Letter to discuss arrears.
20/09/2018 Letter from WESCOT to set up payment plan and that they know I live at my address and have done checks to verify my address.
01/10/2018 Letter from Westcott offering 30%discount.
16/10/2018 Letter from Westcott to contact to sort payment plan .
08.02.19 letter from HSBC advising account being transferred to CSL.
10.02.19 letter CSL to sort payment.
05.03.19 Csl letter, notice of further action to sort payment.
27.03.19 CSL letter offering big discount.
03.04.19 CCA sent to niddy who says looks enforceable.
01/06/2019 CSL final notice letter.
06.01.20 letter hsbc saying a/c been sold to Cabot (UK) and they appoint Cabot (Europe) to manage it. Also letter included from Cabot saying they have bought this debt also included notice of assignment letter.
18/01/20 letter Cabot to set up account.
06/02/20 letter Cabot 20% off.
20.03.2020 letter Cabot , need attention.
16.04.2020 letter Cabot, account to go to solicitors.
30.03.2020 letter Cabot avoid legal fees.
23/04/20 Cabot letter saying referring to Mortimer Clarke.
27/04/20 Mortimer Clarke letter saying account received .
04/06/20 Mortimer Clarke letter saying need to talk about Cabot account.
12/06/20 potential legal action letter with reply form
22/05/21 Cabot letter, this ac no longer with solicitors, been passed back to Cabot financial and no further action will be taken to collect outstanding balance.

[Shineon]

CITIFANCIAL
NCO RESOLVE


Husband -
Balance: £7418.97
Start Date: 18/03/2008
Last payment: DMP March 2018
Original Lender : Citi financial
Date assigned : (to CAPQUEST investments LTd) 05/10/2009

20/12/2017 letter from nco offering reduced payment of £4474.10 - ignored by me
01/03/2018. CCA Sent
17/04/2018 letter from Capquest saying have forwarded CCA info to citfinancial
27/04/2018 cancelled DMP
30/08/2019 letter CAPQUEST notice of sum in arrears. Which now shows the start date 2008.
21/09/2019 letter CAPQUEST contact before 02/10/2019 or will send Resolvecall to visit, letter address to Mr but says dear mr and Mrs .
08.10.2019 resolvecall, door visit card through letter box.
28/10/2019 letter from CAPQUEST dated 01/10/2019 addressed to Mr , saying periodic statement, and that CAPQUEST investments LTD HAVE NOT ADDED ANY INTEREST SINCE 05/10/2009 Being the date they say it was assigned.
22.10.20 CAPQUEST, annual statement.
21.11.20 cap quest letter, Notice of sum in arrears,
22.06.20 CAPQUEST notice of sum in arrears.
25.01.21 CAPQUEST notice of sum in arrears.
22/09/2021 CAPQUEST,notice of sum in arrears.
17/02/2022 cap quest, NOSIA
20/07/2022 cap quest, NOSIA
17/10/2022 cap quest , statement.
22/10/2022 cap quest , statement with all dates of start of agreement.